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Building a house in a rural area

  • Last Updated:
  • Aug 16th, 2021 5:48 pm
[OP]
Newbie
Aug 3, 2020
10 posts
3 upvotes

Building a house in a rural area

Hello all,

I'm interested in building a home in a rural area. I've done some cursory reading online about initial steps but would like to hear some experiences from those who have actually done it.

Things of interest would be. How did you select your plot of land? How did the process go of determining if there was sufficient water supply, soil health, etc.? How far in advance would you reach out to the builder? What are some of the upfront costs associated with meeting a builder? Things you didn't really consider that would have been important to know? This is turning into 21 questions here.

Please enlighten me!
3 replies
Deal Guru
Oct 6, 2007
10111 posts
8139 upvotes
Kootenays
Building in rural Newfoundland will be quite different from building on Vancouver Island. It's difficult to give advice without knowing an approximate location. Also, what services are provided and what services do you require?

One thing that is often overlooked is fire protection. In a rural area fire departments are mostly volunteer departments. There are different levels of protection: there's "Hydrant Protection" (a hydrant within 1000 feet of your house), "Tender Protection" (the fire department brings water with them) and no protection. For insurance purposes, if you're within hydrant protection, say your premium is $1,000/year. If you're in tender protection, it will be twice as much, or $2,000. If you have no protection, it will be at least 4 times as much, or $4,000. Every year. If you're not in a protected area, a nearby fire department will not respond if your house burns as it opens them up to liability if they commit resources to you and someone in the protected area (who pays taxes for coverage) has a problem and response is delayed. You typically can't get a mortgage without fire insurance. Some insurers and unwilling to insure unprotected buildings period.
Last edited by smacd on Aug 16th, 2021 4:24 pm, edited 1 time in total.
Deal Expert
Feb 7, 2017
23561 posts
22517 upvotes
Eastern Ontario
smacd wrote: Building in rural Newfoundland will be quite different from building on Vancouver Island. It's difficult to give advice without knowing an approximate location. Also, what services are provided and what services do you require?
This

OP, see you are new to the RFD Forums
So do yourself a favour and update your profile so there is location shown
(Like mine says Eastern Ontario … and @smacd has The Kootenays )

Your location being noted will save you a lot of grief / aggravation plus back & forth needlessness

You can use your Province, Region, nearby Big City, or Hometown
Anything that will give others a sense of place
As RFD is a Canadawide website with Millions of Cdns posting from NFLD to BC, and Pointe Pelee to Iqualuit (and beyond)

Always helpful therefore to understand another RFDers POV / perspective
(Example … Building Codes are Provincial, Building Permits are Municipal, etc. Differs greatly place to place)
Deal Fanatic
Jun 26, 2009
5196 posts
4949 upvotes
GTA
If you have to rely on RFD with this - buy from the builder / resale home. This forum is good for coupons on marble cheese, but house construction is totally different gane.

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